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Amtrak Guest Rewards® Preferred Mastercard®

Amtrak Guest Rewards® Preferred Mastercard® Bonus Categories

$99/yr annual fee. 2 bonus categories benefits, with what each is worth and the limits that apply.

Annual fee
$99/yr
Estimated value
$35/yr
Benefits
2

5% Point Rebate on Amtrak Redemptions

Bonus earning

Get 5% of your redeemed points back when you use points for Amtrak travel, boosting total value.

Pro Tips

  1. 1This effectively makes each point worth ~2.63-2.84 cents instead of 2.5-2.7 cents.
  2. 2The rebate applies to all point redemptions for Amtrak travel regardless of route or class.

Value Analysis

Estimated Value
$25

Points Don't Expire

Bonus earning

Keep your Amtrak Guest Rewards points indefinitely as long as your card account stays open.

Value Analysis

Estimated Value
$10

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.